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EBITDA is a widely used proxy for a company’s core operational performance.
By excluding interest, taxes, depreciation and amortization, EBITDA strips out certain financial, tax or non-cash effects to show how much cash a business may generate.
For lenders, EBITDA is a key metric because it gives insight into whether the business can support debt payments and operating obligations.
When you apply for a loan, one of the documents that lenders inspect closely is your cash flow statement.
Understanding what lenders look for in cash flow statements gives you a serious advantage when preparing your finances and submitting a loan application.
Underwriting decisions often turn on numbers — and among the most critical of those numbers are the common financial ratios used in underwriting. Whether a lender, investor, or business owner, understanding these ratios helps you parse risk, anticipate trouble, and make smarter decisions.
When you apply for business financing, one of the first documents your lender will ask for is a balance sheet. But why do lenders want to see balance sheets? It’s not just a formality — it’s a key tool that helps lenders assess risk, repayment ability, and the overall health of your business.
If you’re a small business owner or financial manager, you’ve likely heard the term debt service coverage ratio (DSCR). It’s a simple formula with big implications—how well your business can meet its debt payments from its operating income. In this post I’ll walk you through exactly how to calculate DSCR for your business, what the number means, how lenders view it, and how to improve it if necessary.
When you apply for a loan—whether it’s a business loan, mortgage, or line of credit—chances are your lender will ask you for a profit and loss statement. This document, often abbreviated as “P&L,” is much more than a routine checklist item. Understanding why lenders ask for profit and loss statements will help you prepare better, position your business more credibly, and increase your chances of approval.
When a lender or secured party files an incorrect UCC financing statement, it can trigger serious consequences for both the debtor and the creditor. In this blog post we’ll walk through exactly what to do if a lender files an incorrect UCC, exploring your options, required steps, risk mitigation, and how to set things right.
When it comes to securing a lien and protecting priority, the proper filing of a UCC financing statement is critical. In this guide, we’ll walk through the common mistakes with UCC filings, explain why they matter, and offer best-practice solutions to avoid them.
When it comes to understanding business financing and creditworthiness, few tools are as misunderstood as the UCC filing. These filings—commonly known as UCC-1 statements—can show up on credit reports, influence lender decisions, and affect your ability to borrow—even if they don’t directly change your credit score. In this post we explore exactly how UCC filings impact credit reports (both business and personal), what borrowers should know, and how to proactively manage them.
If you’re involved in secured lending, asset protection, or simply want to understand how liens and security interests are publicly recorded, then understanding the primary difference between a UCC‑1 Financing Statement and a UCC‑3 Amendment/Continuation/Termination is critical.
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